The school division purchases Student Accident Insurance on behalf of all students. This insurance is intended to supplement, not replace, provincial health care or any private insurance the family may have.

 1. What the Student Accident Insurance Covers

 The plan provides limited reimbursement for eligible medical expenses resulting from an accident that occurs:

• during the regular school day,
• during school‑organized or school‑approved activities, or
• while participating in approved school sports.

 Examples of eligible expenses may include:

• dental treatment resulting from an accident,
• ambulance services,
• accidental damage to or replacement of eyewear,
• fractures, dislocations, or surgery,
• hospital and certain paramedical services (with physician referral),
• travel or transportation related to medical treatment,
• serious injuries such as dismemberment or permanent loss of use.

 Important: Only expenses directly related to an accidental injury are eligible. Illnesses, pre‑existing conditions, or routine health care are not covered.

 2. Who Is Responsible for Completing the Claim

 The parent/guardian (or the student, if not a minor) is responsible for:

• starting and submitting the insurance claim,
• completing the required claimant forms,
• arranging for the Physician’s or Dentist’s Statement to be completed, and
• paying any fees charged by medical or dental providers to complete insurance forms.

Families must:

• submit claims within 90 days of the accident (and no later than one year),
• ensure the student is seen by a physician or dentist within 30 days of the accident, and
• submit claims to any other insurance plans first (e.g., employer health or dental plans). A copy of the other insurer’s Explanation of Benefits (EOB) must be included.

 3. What the School Division / School Provides

 The school division and schools do not submit claims on behalf of families, but they do provide required documentation.

The school will:

• complete a School Accident Report when an injury occurs at school or during a school‑approved activity, and
• provide a copy of the completed School Accident Report to the parent/guardian upon request.

 This School Accident Report must be included with the insurance claim. Claims cannot be processed without it.

 4. What Must Be Submitted with a Claim

 A complete claim generally includes:

• the Claimant’s Statement (completed by the parent/guardian),
• the School Accident Report (completed by the school),
• required medical or dental statements (completed by a licensed Medical Doctor or Dentist, as applicable),
• copies of receipts or invoices,
• Explanation of Benefits (EOB) from other insurance plans, if applicable.

 All forms and supporting documentation must be submitted together directly to the insurance provider (Industrial Alliance).

 5. Important Reminders

• This insurance is secondary coverage; families must use other insurance first.
• The school division does not determine eligibility, approve claims, or reimburse expenses.
• Questions about coverage, benefits, or claim status should be directed to the insurance provider, not the school.